Call reports 2009
SHARON BANK — 2009
What SHARON BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 226,847,000 | 231,025,000 | 228,088,000 | 222,820,000 |
| Total loans | 133,285,000 | 127,976,000 | 125,247,000 | 123,322,000 |
| Allowance for loan losses | 345,000 | 258,000 | 259,000 | 260,000 |
| Securities available for sale | 37,776,000 | 45,422,000 | 80,172,000 | 80,340,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,051,000 | 195,286,000 | 189,975,000 | 179,478,000 |
| Interest-bearing deposits | 183,412,000 | 189,497,000 | 184,143,000 | 173,034,000 |
| Noninterest-bearing deposits | 5,639,000 | 5,789,000 | 5,832,000 | 6,444,000 |
| Equity capital | 15,551,000 | 14,048,000 | 15,606,000 | 16,469,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,500,000 | 4,977,000 | 7,604,000 | 10,391,000 |
| Interest expense | 1,398,000 | 2,773,000 | 4,099,000 | 5,209,000 |
| Net interest income | 1,102,000 | 2,204,000 | 3,505,000 | 5,182,000 |
| Noninterest income | 153,000 | 298,000 | 446,000 | 584,000 |
| Noninterest expense | 1,527,000 | 5,054,000 | 6,245,000 | 7,470,000 |
| Provision for loan losses | 0 | 0 | 1,000 | 1,000 |
| Pretax income | -272,000 | -2,552,000 | -2,295,000 | -1,705,000 |
| Income tax | -56,000 | -115,000 | 4,000 | 215,000 |
| Net income | -216,000 | -2,437,000 | -2,299,000 | -1,920,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,691,000 | 17,469,000 | 17,608,000 | 17,987,000 |
| Total capital | 20,036,000 | 17,727,000 | 17,867,000 | 18,247,000 |
| Risk-weighted assets | 136,433,000 | 141,070,000 | 144,689,000 | 143,154,000 |